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Group Life Insurance

At Unum, we’re putting the life into Life Insurance. Unum Group Life Insurance policyholders and their employees have access to a range of valuable support services to help out right now — not just when the worst happens.

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Notice

We have made updates to our Unum Group Life material due to the changes to the Lifetime Allowance effective 6th April 2024 onwards.

Find out more

Support services
Giving complete peace of mind

Our Group Life customers automatically have access to the following support services.

Cancer Assist

Access to in-the-moment, personalised guidance from cancer support experts Reframe, for employers and employees impacted by cancer. No question is too small — Reframe’s Mental Health First Aid-trained client navigators can support at any stage of the cancer journey.

Help@hand

Total health and wellbeing support for employees, including remote GPs, mental health support and full integrated Employee Assistance Programme – with a comprehensive employee communications toolkit.

Unum Master Trust

Unum Master Trust provides simple and hassle-free solution for employers who want to offer Group Life to their employees.

Personal bereavement counselling

The death of a close relative, whether it’s sudden or after a long illness, is a difficult time both practically and emotionally. To help, employees can access caring, professional and personalised bereavement counselling via Help@hand.

Bereavement workshops

We've teamed up with St. Catherine's Hospice to offer an interactive and informative workshop to help line managers support bereaved employees.

Overview
Group Life Insurance from Unum

A valuable benefit that offers peace of mind and access to everyday, comprehensive support services that can help attract and retain talent.

Benefits can be a multiple of employees' earnings (up to 12 x annual salary) or a set level of cover for all employees.

Group Life benefits are usually set up using a discretionary trust:

  • We offer two simple and hassle-free Group Life Master Trust arrangements: One for Registered Group Life policies and one for Excepted Group Life policies. Each offers independent professional trustee services from Zedra Governance Limited.
  • For employers using their own trust we offer a range of guidance and resources to help.

Useful resources

Group Life Insurance from Unum
Group Life User Guide - UP1126 05/2018
Simplicity Life brochure

Why choose us
Our Group Life products

We offer Group Life insurance products to suit all types of employers, from SMEs to large corporates and across almost every sector of the economy.

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    Registered Group Life

    Our Registered Group Life policy insures registered pension schemes and provides a tax-free lump sum up to the Lump Sum and Death Benefit Allowance (LSDBA), within HM Revenue and Customs (HMRC) regulations for a registered occupational pension scheme.

    People insured under the policy can have different levels of benefit.

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    Simplicity Life

    Simplicity Life is a simple version of our Registered Group Life policy for employers who want to give a more basic level of life cover to their employees for the first time.

    The plan is for PAYE employees and written under our Registered Group Life Master Trust.

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    Excepted Group Life

    Excepted Group Life insurance usually provides tax-free benefits and is sometimes used for higher earners. It allows for lump sum death benefits to be paid outside of the Lump Sum and Death Benefit Allowance (LSDBA).

    All people insured under the policy must have the same  benefit basis.

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    Spouse and partner cover

    Employers can take out the policy to provide a lump sum benefit to an employee if their spouse or partner dies while insured.

    A Spouse and partner policy is typically a voluntary arrangement in association with a Unum Group Life policy for the same employees.

Wellbeing calendar
Upcoming events and webinars

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Webinar
Tue, 9 Jul, 10:45

  • Emotional
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Useful Resource
Wed, 17 Jul

  • Emotional
  • Financial
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Useful Resource
Mon, 22 Jul

  • Lifestyle
  • Physical
  • Emotional
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"I am always confident to recommend Unum. The service and proposition really supports my business - and my clients"
Matthew Egginton
Employee Benefits Consultant

Any questions?

View FAQs
  • Yes. UnumOnline is our intuitive, easy-to-use adviser portal that lets you get quotes for Group Income Protection, Group Life and Group Critical Illness policies covering between 3 and 100 employees.

    More about UnumOnline
  • We provide onboarding support to your clients via our monthly 30-minute online Wellbeing Ready sessions. As a broker, you’re also welcome to attend. During the session, we’ll explain the benefits of the support services available to policyholders and their employees. The sessions include a Q&A and useful downloads to ensure your clients can quickly register for these services.

    Starting your client's cover

    Get Wellbeing Ready

  • If a member of a scheme requires medical underwriting, they can find all the information on our medical underwriting page.

  • Yes. Help@hand is available to employees insured under their employer’s Group Income Protection, Group Life or Group Critical Illness policy. There is no additional cost to the employer.

    Selected Help@hand services are also available to uninsured employees at no additional cost. Employers can extend the full suite of services to employees not covered by the Group Risk policy for a cost of £4.15 per month.

    * Help@hand® is a digital, value-added service provided to Unum Limited (“Unum”) by Square Health Limited which connects employees of Unum customers to third party specialists who can help manage their, and their families’, health and wellbeing. Access is facilitated by Unum at no cost to the Unum customer and with no increase in premium. However, employees will be liable for charges for medication and delivery, referral letters and private fit notes. Unum may withdraw or change this service at any time. The service is entirely separate to the Unum insurance policy and is subject to the terms and conditions of the relevant third-party specialists. Unum will not receive any payment or commission from Square Health Limited arising from any employee involvement with Help@hand. Available to UK residents only.

     Square Health Limited is registered in England and Wales under company number 07054181 and has its registered office at Crown House, William Street, Windsor, Berkshire SL4 1AT.

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